The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,831
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$722/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,739
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,399
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$691/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$865/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$829/mo
Today · 4.125%
HK$32,126
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,693/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,252/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,964
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,958
−HK$1,010/mo
Today · 4.125%
HK$33,968
baseline
▲ 0.50% · 4.625%
HK$36,035
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,936/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,513
−HK$967/mo
Today · 4.125%
HK$37,480
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,960/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,096
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,374
−HK$1,299/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,719
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,244/mo
Today · 4.125%
HK$48,189
baseline
▲ 0.50% · 4.625%
HK$50,729
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,378/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,251 · Scale 2, in force from 26 Feb 2026)